If your company’s retirement plan does not have funds that reflect this choice, use a multi-cap or S&P 500 index stock mutual fund as a substitute.

If your retirement plan does not offer these investment choices, use a general international fund as a substitute.

If your retirement plan does not offer these investment choices, use a general multi-term bond fund as a substitute.

If your company’s retirement plan does not offer these investment choices, use large cap (as a real estate substitute), mid cap stocks (as an MLP substitute), and intermediate term bond fund as a utilities substitute.

Changes to these asset allocations will show up in red color. Please return often to check for any changes.

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Jim Tso wants to “give back” and share his 35+ years of successful personal money management experience to help others to achieve their financial goals. Jim created this InvestBetterSpendSmarter blog (IBSS) to provide you with free investing, planning, savings, retirement, and inspirational tips derived from his unique, innovative, and proven approaches to money management. He welcomes and appreciates your feedback.

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